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$STI's net charge-offs were $83MM in 4Q15, an increase of $12MM compared to 3Q15. The ratio of annualized net charge-offs to total average loans was 0.24%, compared to 0.28% last year. Provision for credit losses was $51MM in 4Q15, down $23MM from 4Q14, driven by the overall improvement in asset quality, in addition to lower net charge-offs.
No better outlook on $MSFT. Even if the results beat a bit, the stock may move 4 to 6% higher, but won't go above $60.